HELP! Do you have to give an insurance company with details or can you insist on not involving your insurers?

Question

My bf was working away down south from new years for a large multinational company. In Feb he was involved in a minor car accident in the hotel car park which was equal liability. He was reversing out of a space when the other car drove round a blind corner and the two vehicles collided. My bf gave his name/number & thought nothing else of it as historically all cars used on company business are covered. However this year the company had changed its policy (we have copies of both policy documents) so that only company owned cars were covered. The problem is my bfs own policy had lapsed at the end of jan & he wasnt home to renew it until feb 29th so he had no personal cover at the time, in essence he was driving w/o insurance. He wrote to her insurance expressing his wishes to handle the matter personally & contesting liability since she told her insurers she was not at fault but the insurance (tesco) is still asking for his details.

Answer 1

Hi

having been through this myself this is what i have found out to be right .

The only people you must give insurance details to are the police . no one else is entitled to demand them .

second if this happened on a private car park both drivers can tell each other nothing and there is nothing anyone can do about it

If you have disputed responsibility they have to take you to civil court over it .

If you do make the offer of payment for repairs then that's the end of it

Hope this helps

Answer 2

You are required after a damage incident to give your insurance details to the other party if on a public road. A car park may not count.

If he was driving on company business at the time his employers are liable for the 3rd party claim

Answer 3

Why wouldn't he want to provide the details of the accident to the other party?  If he does not, they will try to recover 100% of the damages they paid out.  If he explains the details of the accident to them, he can compromise a settlement.   They do not care if he was uninsured.  They will just want him to pay for the damage.

Answer 4

Short answer, no.

If the other party's insurers asks for your insurance details, you must pass them over - by law.  You can be forced to, if you don't comply.

This is to make sure that both parties are insured and legally allowed to be on the road...

Answer 5

I don't think you are actually obliged to give your insurance details to another insurance company, if you uninsured it is up to the police to prosecute. The other driver's claim is against you, so if you pay for the damage, they should be satisfied.